As you will see i have just joined this Forum with the desire to get my finances in order and stop the drain which is increasingly strangling me and many others ...firstly i wil try and reclaim my bank charges which are many over the past 5 years ..having been self employed for most of that period..will read all the posts and start the ball rolling...will keep you posted as to my progress ..and wil no doubt be asking many questions along the way....